Damage to the Unit
We will pay for direct and accidental loss to "your covered travel trailer" including its equipment or furnishings, minus any applicable deductible shown in the Declarations. If loss to more than one "your covered travel trailer" results from the same "collision", only the highest applicable deductible will apply.

"Collision" means the upset of "your covered travel trailer" or its impact with another vehicle or object.

Loss caused by the following is considered "Other Than Collision":

• Aircraft, missiles or falling objects;
• Fire or lightning;
• Theft or larceny;
• Explosion, earthquake or landslide;
• Windstorm;
• Hail, water or flood;
• Malicious mischief or vandalism;
• Riot or civil commotion;
• Contact with bird or animal; or
• Breakage of glass. If breakage of glass is caused by a "collision", you may elect to have it considered a loss caused by "collision".

Other Coverages....
Total Loss Replacement provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years. When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price. After the seventh model year, the settlement is on an actual cash value basis. (Coverage availability may vary by state and vehicle value.)

Replacement Cost Personal Effects pays for the replacement of your personal items in your RV that resulted from a covered loss. $1,000 or $5,000 of Replacement Cost Personal Effects coverage is automatically included at no additional cost with Comprehensive and Collision coverage depending upon the state in which the RV is rated. Additional limits of coverage are available up to $100,000 for additional premium.

Vacation Liability pays for Bodily Injury and Property Damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.

Emergency Expense Coverage pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.